2020 Chevrolet Suburban Insurance Cost in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 19, 2024

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Trying to find better auto insurance rates for your Chevrolet Suburban? Searching for better insurance prices for a Chevy Suburban could be a painful process, but you can follow a few tricks to find lower rates.

There is a right way and a wrong way to shop for auto insurance so we’re going to tell you the proper way to get price quotes for a new or used Chevy and obtain the lowest possible price.

It is always a good idea to price shop coverage periodically due to the fact that insurance prices change frequently. Just because you had the lowest price on Suburban insurance six months ago a different company probably has better rates today. Forget anything you know (or think you know) about auto insurance because we’re going to show you how to use online quotes to save money, get proper coverage and the best rates.

Don’t miss these money-saving discounts

Companies that sell car insurance don’t always advertise the complete list of policy discounts in an easy-to-find place, so the next list breaks down a few of the more well known and the more hidden credits that you can use to lower your rates.

  • New Car Discount – Adding a new car to your policy is cheaper because new model year vehicles are generally safer.
  • Waiver for an Accident – Not a discount per se, but a few companies such as Allstate and GEICO permit an accident before your rates go up as long as you don’t have any claims for a set time period.
  • Club Memberships – Being in specific professional or occupational memberships or organizations may earn a discount on your bill.
  • Accident-Free Discounts – Claim-free drivers pay much less in comparison to insureds who have frequent claims or accidents.
  • Anti-lock Brake System – Cars and trucks with ABS braking systems or traction control can avoid accidents and the ABS can save up to 10%.
  • Student Discount for Driver Training – Teen drivers should participate in a local driver’s education class if offered at their school.
  • Theft Deterrent – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and can earn a small discount on your policy.
  • Save with More Vehicles Insured – Buying a policy with all your vehicles with one company could earn a price break for each car.
  • Pay Now and Pay Less – If you can afford to pay the entire bill rather than paying in monthly installments you may reduce your total bill.
  • Low Mileage Discounts – Driving less could be rewarded with cheaper rates.

As a footnote on discounts, most of the big mark downs will not be given to all coverage premiums. Most cut the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears you can get free auto insurance, it’s just not the way it works.

Larger auto insurance companies and their possible discounts can be found below.

  • GEICO discounts include anti-lock brakes, multi-vehicle, defensive driver, seat belt use, military active duty, and daytime running lights.
  • MetLife includes discounts for accident-free, good driver, multi-policy, claim-free, and good student.
  • Progressive may have discounts that include multi-vehicle, online signing, multi-policy, continuous coverage, online quote discount, good student, and homeowner.
  • Travelers offers premium reductions for multi-car, student away at school, early quote, save driver, and continuous insurance.
  • SAFECO may offer discounts for teen safe driver, multi-car, anti-theft, safe driver, teen safety rewards, and homeowner.
  • AAA may include discounts for pay-in-full, anti-theft, good driver, AAA membership discount, and multi-car.

Check with all the companies which discounts can lower your rates. Some of the earlier mentioned discounts may not apply to policyholders in your area. For a list of companies who offer cheap auto insurance quotes, enter your zip code here.

You can change your insurance premiums

Smart consumers have a good feel for the rating factors that go into determining your premiums. If you understand what determines base rates, this allows you to make good choices that may result in cheaper rates.

The itemized list below are just a few of the factors that factor into your rate level.

  • When should you not file a claims? – Auto insurance companies give the best rates to people who do not rely on their insurance for small claims. If you are the type of insured that files lots of claims you can expect much higher rates or policy non-renewal. Your car insurance is designed for claims that pose a financial burden.
  • Remove unneeded extra coverages – Policies have extra bells and whistles that you can buy if you aren’t careful. Insurance for coverage for rental cars, towing, and term life insurance are some examples. These may sound like a good investment when you first buy your policy, but your money might be better spent on other coverage so eliminate the coverages to reduce your premium.
  • Your employer may affect auto insurance rates – Do you work in a high-stress field? Jobs such as military generals, executives and financial analysts tend to pay the highest rates due to high stress and lengthy work days. Other professions such as scientists, athletes and retirees have lower than average premiums on Suburban insurance.
  • Vehicle options can affect premiums – Driving a car that has a built-in theft deterrent system can help lower your rates. Systems that thwart theives like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help prevent auto theft.
  • More people means more accidents – Living in a rural area may provide you with better prices when shopping for auto insurance. Fewer drivers on the road means reduced accidents as well as less vandalism and auto theft. Residents of big cities have much more traffic and higher rates of accident claims. More time on the road means more chance of being in an accident.

Do I need special coverages?

When it comes to choosing the best auto insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s.

For example, these questions could help you determine whether or not you would benefit from an agent’s advice.

  • How much liability coverage do I need in my state?
  • Is business equipment covered while in my vehicle?
  • Am I covered if I break a side mirror?
  • Is a new car covered when I drive it off the dealer lot?
  • Does insurance cover damages from a DUI accident?
  • Are there companies who specialize in insuring high-risk drivers?
  • Do I have coverage for damage caused while driving under the influence?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What is PIP insurance?
  • What is roadside assistance coverage?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out your zip code. It is quick, free and can provide invaluable advice.

Be skeptical of insurance coverage ads

Consumers can’t avoid all the ads that claim the lowest prices by companies like State Farm, Allstate and GEICO. All the ads try to convey promises that people will save just by moving your policy.

How does each company give you a lower rate? It’s all in the wording.

All companies have an ideal profile for the driver that will be a good risk. For instance, this type of risk profile may be between the ages of 30 and 45, has no tickets, and chooses high deductibles. A driver that fits those parameters gets the lowest rates and therefore will save money with a new company.

Potential insureds who do not match this ideal profile will be quoted higher premiums and ends up with business going elsewhere. If you pay close attention to the ads, they say “customers that switch” but not “all drivers who get quotes” will save that much if they switch. That’s why insurance companies can confidently make those claims.

Because of these techniques, you need to compare many company’s premium rates. It’s not possible to predict with any certainty which company will fit you best based on your risk profile.

Information about specific coverages

Understanding the coverages of a insurance policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Collision coverages – This pays to fix your vehicle from damage from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things such as sideswiping another vehicle, crashing into a building and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Auto liability insurance – Liability insurance provides protection from damages or injuries you inflict on a person or their property. This insurance protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for things such as legal defense fees, repair costs for stationary objects, emergency aid and pain and suffering. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your 2020 Chevy Suburban.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Frequently these limits do not exceed the liability coverage limits.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage pay for immediate expenses for things like funeral costs, rehabilitation expenses, pain medications, hospital visits and doctor visits. They are often used in conjunction with a health insurance policy or if you do not have health coverage. They cover you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Comprehensive insurance – This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as hail damage, a broken windshield, damage from flooding and vandalism. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

You can do this!

Throughout this article, we presented quite a bit of information on how to save on 2020 Chevy Suburban insurance. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding low cost insurance. You may even find the biggest savings come from a small mutual company.

As you shop your coverage around, don’t be tempted to sacrifice coverage to reduce premiums. There have been many cases where someone sacrificed collision coverage and learned later that the few dollars in savings costed them thousands. The proper strategy is to buy a smart amount of coverage at an affordable rate but still have enough coverage for asset protection.

Insureds switch companies for any number of reasons including an unsatisfactory settlement offer, high rates after DUI convictions, policy cancellation and even not issuing a premium refund. It doesn’t matter what your reason, switching insurance coverage companies is not as hard as you think.

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